Dengan semakin pesatnya pembangunan properti seperti apartemen, hadirnya fasilitas pembiayaan seperti Kredit Pemilikan Apartemen (KPA) menjadi solusi yang tepat untuk membeli unit apartemen. Namun, apa sebenarnya KPA itu dan bagaimana cara mengajukannya? Disini kita akan mengetahui lebih lanjut tentang KPA, mulai dari definisinya, syarat-syarat yang dibutuhkan, hingga panduan langkah demi langkah untuk pengajuannya. Apa itu […]

For Indonesians who are looking for a home or seeking ways to improve the quality of their homes, there is something called BSPS. BSPS, or Bantuan Stimulan Perumahan Swadaya (Self-Help Housing Stimulus Assistance), is a government programme aimed at improving the quality of homes for low-income communities (MBR) in Indonesia. This programme

Membeli rumah adalah impian banyak orang. Prosesnya pun tidak mudah, butuh waktu, tenaga, dan tentunya dana yang tidak sedikit. Kredit Pemilikan Rumah (KPR) hadir sebagai solusi untuk mewujudkan impian tersebut. Namun, tidak jarang di tengah jalan, Anda dikejutkan dengan cicilan KPR yang tiba-tiba melonjak. Jika hal ini terjadi pada Anda, jangan panik! Mungkin Anda salah […]

If you are currently paying off a mortgage and are thinking of transferring it to another bank, this is entirely possible. It is common to decide to transfer your mortgage, usually from a conventional bank to an Islamic (syariah) bank or vice versa. Another factor is the difference in floating interest rates between banks. For example, when you purchase a home and

The Indonesian Ministry of Public Works and Public Housing (PUPR) continues to promote the subsidised house programme as a solution for low-income communities (MBR) to access affordable and decent living spaces. This initiative offers public housing through a mortgage scheme that includes conventional and sharia financing options.

Buying a second-hand house through a Home Ownership Credit (KPR) is still a favorite choice for many people in Indonesia in 2025. In addition to more affordable prices, second-hand houses are usually ready to be occupied and are located in a developed environment.

Buying a second-hand home can be a wise investment, particularly for those looking to balance affordability with strategic location. Unlike brand-new properties, second-hand homes often come with lower price tags, making them appealing to first-time buyers or those seeking to upgrade without overstretching their budget.

One of the important sectors for the national economy is the residential property industry in Indonesia. Every three months, Bank Indonesia (BI) routinely releases the results of the Residential Property Price Survey (SHPR) which is an important reference for industry players, the government, and the wider community. In the first quarter of 2025, the results of this survey showed interesting developments to watch, starting […]

Owning a home does not necessarily require a large amount of capital. For this reason, many individuals turn to Mortgage, or KPR (Home Ownership Credit), as a means of financing. In Indonesia, KPR is available through two main channels: conventional banks and Islamic banks. Amid rising benchmark interest rates, Islamic home financing (KPR Sharia) has emerged as a stable alternative. […]

As an expat working in Indonesia, you may have the desire to own a home. However, if buying a house or apartment outright feels burdensome, there is an easy way to do it, which is by applying for a mortgage. Tips for applying for a mortgage: Recognize What is Home Ownership Credit KPR is one of the financing schemes that people can do to buy a house.

Interested in buying a house in Indonesia? The comparison between buying a house with a mortgage vs cash is essential. Both payment methods offer their own advantages and disadvantages, with trends in society fluctuating. This article will discuss the comparison between KPR and Cash home purchases, current trends, and factors that influence people's preferences. Which is more popular? Let's discuss. […]

When applying for a loan such as a Mortgage (KPR) at a bank, the term 'threshold credit limit' often arises. According to the Great Dictionary of the Indonesian Language (KBBI), 'threshold' refers to the maximum limit (of costs, credit, etc.) provided.​ In the loan application process, the amount granted by the bank or other financial institutions to the customer will not exceed the predetermined threshold. […]